Even throughout one of the best journeys, unexpected occasions similar to medical emergencies, journey cancellations and interruptions, misplaced baggage, and different surprising mishaps can occur. That’s why many travellers go for Emergency Medical Insurance coverage and Non-Medical Journey Insurance coverage to guard them from widespread claims and different surprising occasions.
In the event you’re a TuGo buyer and should open a journey insurance coverage declare, you are able to do so simply making a myTuGo account and beginning your declare on-line. In the event you want a reminder on find out how to file your declare, comply with these easy steps! Some travellers aren’t positive about what occurs after this step, so listed below are solutions to some continuously requested questions on what occurs after you’ve submitted a declare.
I’ve filed my declare — what’s subsequent?
When you’ve filed your declare and have submit associated paperwork to Claims at TuGo, a devoted Claims Examiner will accumulate and evaluation your medical data and historical past, if relevant. They’ll coordinate with you and different suppliers concerned, together with worldwide hospitals, medical doctors, different medical practitioners, provincial healthcare plans and different insurers.
All the pieces is dealt with in-house and by no means by third occasion claims directors, so that you will be assured that we’re dealing with your declare rigorously. After a choice has been made in your declare, you’ll obtain a letter detailing what your protection did or didn’t cowl.
How lengthy do claims take to course of?
Claims are dealt with on a case-by-case foundation, relying on the character of your declare and different elements involving third events.
We’re dedicated to processing your declare as rapidly as potential, however some circumstances may take a bit longer than others to resolve. That’s as a result of, as talked about, we coordinate with a lot of completely different suppliers, such because the medical suppliers the place your emergency was handled and your loved ones physician again house.
Although some issues is perhaps out of your management, there are a number of methods to have a smoother journey insurance coverage claims course of.
Utilizing myTuGo is the quickest and best solution to submit declare kinds and paperwork to Claims at TuGo. Attempt your finest to finish all required kinds, present as a lot correct info as potential, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e-mail will trigger extra delays to processing time.
Word: Utilizing myTuGo is the quickest and best solution to submit declare kinds and paperwork to Claims at TuGo. Attempt your finest to finish all required kinds, present as a lot correct info as potential, signal the place indicated, and submit all itemized payments and itemized receipts. Sending paperwork by mail or e-mail will trigger extra delays to processing time.
What if I obtain a medical invoice after already submitting my declare?
Generally, you may obtain a medical invoice from a supplier after you’ve already despatched us your declare kinds and supporting paperwork. If that occurs, be at liberty to add the extra invoice(s) to your myTuGo account as quickly as you obtain them.
Different occasions, the supplier might need already acquired cost from Claims at TuGo, however their automated system may not have proven the complete cost immediately, leading to an excellent steadiness in error. If this occurs, don’t pay these payments and make sure you contact us — we’ll resolve the difficulty in your behalf.
What if my declare is denied?
Whereas we do all the pieces we are able to to pay out claims, all claims are reviewed based mostly on the coverage phrases and there will be causes are denied or partially lined. Once you purchase journey insurance coverage, you have got a accountability because the policyholder to learn and perceive your coverage with a view to keep away from any misconceptions about your protection. In the event you don’t perceive your protection, make sure you contact your insurance coverage dealer or supplier earlier than you permit in your journey.
Have any questions on submitting journey insurance coverage claims? Tell us beneath!
Protected travels,
Monique
Editor’s Word: This publish was initially revealed in April 2020 and has been up to date for freshness and/or accuracy.
